1, at least 22 years old;
2. Hold a valid ID card;
3. No bad credit record; ?
4. Have a fixed work certificate;
5 proof of income stamped with the financial seal of the unit; ?
6. Property right certificate.
Two. Conditions for handling credit loans:
1, age18;
2. Hold a valid ID card;
3. No bad credit record; ?
4. Have a fixed work certificate;
5 proof of income stamped with the financial seal of the unit; ?
6. Other financial certificates, such as real estate, automobiles, stocks and bonds. ;
7. Social endowment insurance certificate;
8. Provide two contacts.
You must meet the first five conditions before you can apply for a credit loan.
Extended data:
Personal consumption loan application process:
1. The borrower shall fill in the application form at the loan handling office with valid ID, pledge, mortgage certificate and guarantor's guarantee. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.
2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with the bank.
3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he has to fill in an IOU to use a single loan. The bank will transfer the loan funds into the account agreed in the contract.
4. The borrower can recycle the loan within the validity period of the credit line, and the available credit line is the difference between the credit line approved by the bank and the principal balance of each loan under the credit line. After the borrower withdraws the loan every time, the available amount will be deducted accordingly, and after the borrower repays the loan principal every time, the available amount will increase accordingly.
5. Before the limit expires, the borrower shall pay off all the loan principal and interest under the limit, and go through the formalities of mortgage and pledge registration cancellation at the bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the bank will automatically terminate.
Baidu encyclopedia-personal consumption loan